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BY : BOTAM A S T E R I N B U S I N E S S A D M I N I S T R A T I O NL I M K O K W I N G U N I V E R S I T Y O F C R E A T I V E

T E C H N O L O G Y

F I N A N C EF E B 2 0 1 2

ADOPTION OF INTERNET BANKING IN

KAZAKHASTAN

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Structure of The Study

Chapter 1: Introduction

Chapter2: Literature Review

Chapter3: Research Methods

Chapter 4: Data Analysis

Chapter 5: Conclusion and Recommendation

References

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Project Outline

The following Study is about the adoption if internetbanking in kazakhastan

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Chapter one

Introduction

Introduction Chapter 1

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introduction

The applying of internet technologies to firms for enhancements in performances not a new

thing.

One e-commerce application that's becoming adopted by the banking industry is online

banking as well as e-banking. IT tools for example online banking have got given a noticeable

difference in services among the banking industry (Dawes and Rowley, 1998).

Although online banking is still implemented in a lot of developed international locations like

the U.S States and individuals in Europe (Pikkarainen et al., 2004), there is certainly a growing

craze in the use of online banking by banks in developing nations as well (Gurau, 2002).

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Research Objectives

To investigate the relationship between Perceivedusefulness and Adoption of online banking inKazakhstan

To investigate the relationship between Perceived

Ease of use and Adoption of online banking inKazakhstan

To investigate the relationship between Governmentsupport and Adoption of online banking in

Kazakhstan To investigate the relationship between Trust and

Adoption of online banking in Kazakhstan

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Research questions

What is the relationship between Perceivedusefulness and Adoption of online banking inKazakhstan?

What is the relationship between Perceived Ease ofuse and Adoption of online banking in Kazakhstan?

What is the relationship between Governmentsupport and Adoption of online banking in

Kazakhstan? What is the relationship between Trust and Adoption

of online banking in Kazakhstan?

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Problem Statement

Almost all the banks now have the Internet or Onlinebanking facilities to private and business users butstill this is not yet implemented in many parts ofkazakh

Often the young generation is quicker adopting newtechnologies, while older people sometimes havedifficulties to adapt to those changes. (Huang, 2007,pp. 114-20).

Online banking is used for making transactions &payments over the Internet through a bank or creditunion

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Significance of Study

The whole world of business has been revolutionizedby the word called Internet which has started tofacilitate various interconnections andcommunications among the systems all across the

world (Amor , 2000) and this internet technologyhas not left the banks also , it has had an tremendousimpact on the banking industry and its services and

the needs of the customers(Kaplan & Norton,2004)

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Chapter two

LiteratureReview

Chapter 2 Literature Review

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Literature review

The study is based on Adoption of Online Banking.

Dependent Variable Adoption of Online Banking

Independent Variable : Four Independent variable

Theory Applied : Theory of Reasoning (Aizhen,1976)

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Chapter Three

ResearchMethodology

Chapter-3

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Research methodology

Methods of Data Collection

Primary Data : Distribution of Questionnaires

Secondary Data : Journals , Articles , Magazines andOther Reputed Online Sources.

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Research framework

ADOPTION of

ONLINEBANKING

Perceived EASE of USe

PERCEIVED USAGE

GOVERNMENTSUPPORT

TRUSTAlain et al., (2010)

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Research hypothesis

H1. Perceived usefulness has a positive relationship withthe adoption of online banking in Kazakhstan

H2. Perceived ease of use has a positive relationship with

the adoption of online banking in Kazakhstan

H3 Government Support has a positive relationship withthe adoption of online banking in Kazakhstan

H4 Trust has a positive relationship with the adoption of

online banking in Kazakhstan

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Chapter Four

Data

Analysis

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Data Analysis

Data Analysis using SPSS Software Version 16

Tasks Performed in SPSS

Descriptive Analysis

Reliability Scale

Regression Analysis ( Analysis , Multiple Regression, Multiple Regression)

Correlation

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Reliability Scale

Reliability Scale measures the Value of the CronbachAlpha.

Cronbach's Alpha N of Items.720 5


GOVERNMENT SUPPORT

EASE of USE


USAGE


TRUST

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Co-relations

To measure the Strength of the Relationship of thevariables

Table 4.4.1 Correlationsadoption ease USE Trust GOV

Pearson Correlation

Adoption 1.000 .439 .559 .873 .883Ease .439 1.000 .023 .524 .471USE .559 .023 1.000 .010 .020Trust .873 .524 .0100 1.000 .793GOV .883 .471 .0200 .793 1.000

Sig. (1-tailed)

adoption . .000 .182 .000 .000ease .000 . .361 .000 .000USE .182 .361 . .438 .377Trust .000 .000 .438 . .000GOV .000 .000 .377 .000 .

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MULTIPLE Regression

Model R R Square Adjusted RSquare

Std. Error of

the Estimate

Change StatisticsR Square

Change F Change df1 df2Sig. F

Change1 .930(a) .864 .862 .12638 .864 376.727 4 237 .000a Predictors: (Constant), GOV, USE, ease, Trust

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Co-efficients

To determine the Impact of variables and to test the Hypothesis from thesignificance column

Model Unstandardized CoefficientsStandardized

Coefficients T Sig.B Std. Error Beta

1

(Constant) .442 .164 2.697 .008ease .066 .028 .066 2.342 .020USE .045 .024 .045 1.858 .044Trust .398 .033 .493 12.029 .000GOV .517 .039 .522 13.186 .000

a Dependent Variable: adoption

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Chapter Five

Conclusion

AndRecommendation

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conclusion

In this study a total of four hypothesis were testedand based on the results derived Four hypothesis

were accepted were the value of the alpha was lessthan 0.05 which was the criteria to be accepted.

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Limitations

Reluctance from the respondents to participate inthe study

The shortage of time

Feeding the Data into SPSS was a daunting Task

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recommendations

The online banking industry is in a developing stage in Kazakh so itis a must that the people realise the importance of online bankingand the manner to use it.

All the four variables which were tested had a positive impact on thevariable adoption of online banking so it would be advisable to testthis framework with a higher number of respondents

The variable Government had the highest Impact with a value of52% which was followed by the variable Trust which was slightlyless than 50%

The variable Ease of use had the lowest impact on the dependent

variable. The researcher has tested only a limited number of variable due to

the time constraint future researchers can study more about othervariables

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Thank you

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